Jj Here Your Online Financial Buddy

Want to avail a 3-in-1 insurance? Easy on pocket, easy to buy and easy to claim health insurance covering you from the top three critical illnesses.

Take a closer look at all the details!

Buy it online via my shoplink!

https://shop.fwd.com.ph/agency/agent/10006540

Want to avail a 3-in-1 insurance? Easy on pocket, easy to buy and easy to claim health insurance covering you from the top three critical illnesses.

Take a closer look at all the details!

Buy it online via my shoplink!

https://shop.fwd.com.ph/agency/agent/10006540

https://shop.fwd.com.ph/agency/agent/10006540/products/

Buy Insurance Plans Online | FWD Philippines Buy FWD Insurance online in 3 simple steps for affordable life, critical illness, accident, disability insurance to get protected with exciting rewards.

Surround yourself with trustworthy and reliable people who love and care for you enough to tell you not what you want to hear but what you need to know.
The Bible says: "In a multitude of counselors, there is wisdom." Wisdom has many counselors. Lean into their judgment, not just yours.

4 Reasons Why Planning for Retirement is Important - Jhoanna E. Vorstenbosch

1. SSS is not enough – It will
not sustain your medical
Bills and you will need to downgrade your lifestyle if you will depend on SSS alone.

2. Inflation-Your ₱1 now will have a lesser value in the future.

3. Our kids are not our retirement fund. Part of pagtanaw ng utang na loob culture. We need to break this dependency. Let us not be a burden to our kids in the future.

4. We live longer – Imagine retiring at the age of 65 with NO INCOME, then living until the age of 80, that’s 15 years worth of expenses. 65 years old is too far to imagine, right? How about taking a vacation for a month with no salary?

Let us not depend on our Company's retirement benefit. What if you lose your job or your company will go bankrupt?

Build your retirement fund

Unconditional Love of a Parent - Breaking The Chains of Poverty

Remember your Children are not your Retirement Fund.
Be Financially Independent.. Do not RELY on your children.

Plan for your future and retirement and only have children that you can afford.

Your Children will help you if they really want to (unconditionally).
Do not pressure or give an obligation to your children a responsibility that you yourself are not able to establish.

Let your children have the life that they deserve and do not expect anything in return.

While our children can help us, it should be done voluntarily and not as an obligation. By then, our children will have their own families to look after. We owe it to ourselves to maintain our DIGNITY despite sickness and old age.

Remember
As children, you do it out of gratitude not obligation...
As parents, you receive with gratitude rather than entitlement...

Stop the cycle. Stop this toxic Filipino culture.

As Elon Musk said: “My children didn’t choose to be born, I chose to have children. They owe me nothing, I owe them everything.”

HMO is good and important as well especially when it comes to short-term illnesses and minor hospitalization. However, its coverage may not be enough to cater for medical bills if a person is diagnosed with a critical illness or involved in a major accident.
When a person is diagnosed with a critical illness, here are the financial expenses that may not be addressed or shouldered by HMO or Health Card alone:
1. Medical bills that may amount to 1.5Million to 3Million on average.
2. Emergency fund that may be used during hospitalization.
3. Recovery expenses after hospital discharge such as medicines, therapies, maintenance, caregivers, etc.
4. Income loss during admission and during recovery.
5. Continuous daily expenses and financial support for family (esp. if breadwinner) during admission and recovery.

Still, we advise to avail HMO together with Life Insurance Programs since they both must work hand-in-hand and both serve a different purpose.

Ways to invest and grow your money. 💯👌🏻

For BTID fans here. FWD’s Digital Set for Tomorrow plan is here to offer cheap plan with high coverage plan. Please see attached for sample computation.

For as low as 10k annual premium you are covered with:

A Minimum coverage of 2 Million pesos.

Premiums may vary according to your age.

You can purchase our Digital Set for Tomorrow thru this Link: https://shop.fwd.com.ph/agency/agent/10006540

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What is BTID?

Buy term, invest the difference, or commonly known as BTID, is an investment strategy. The idea is buy term insurance instead of getting whole life or variable (VUL) policies, and the money left in goes to investments like mutual funds, stocks, unit investment trust fund (UITF), MP2 (of the Home Development Mutual Fund or Pag-IBIG Fund), business, real estate, among others.

To illustrate BTID, if you have P5,000 monthly budget for insurance and investment, allocate P1,000 to P2,000 to your insurance, and the remaining fund goes to investment or business.

This strategy is gaining popularity over the internet, especially to those who are into stock trading. It is commonly compared to variable universal life (VUL) policies, an investment-linked life insurance in which a portion of the premium is intended to maintain the insurance policy and the other part is invested in stocks or bonds. This article is not meant to compare BTID and VUL. Rather, it focuses on what's inside the BTID strategy.

****
Here are the advantages and disadvantages of BTID:

Advantages

Term insurance is cheap - term insurance is a type of insurance that is only valid within a certain period, e.g. five-year term. It is renewable every five years and coverage is up to age 65 only. Because it offers death benefit only for a restricted time frame, Term Life is usually the cheapest life insurance available. It can provide up to P2-million coverage for only P12,000 annually depending on age, smoking habit, and present health condition. The premium normally increases every five years to compensate for the higher risk of mortality.

Freedom to choose the investment option - the biggest reason why most investors are into BTIDis the freedom to choose the investment. In the case of stock traders, they can play with the charts, go in and out of the stock market whenever they want, or do intraday trading or long-term investing. The investment can be further diversified into different options like MP2, mutual funds, UITFs, stocks, cryptocurrencies, rental condo, house and lot, business, and a lot more.

Message me if you have questions and if you need assistance.

Remember, your priorities will determine your future.

When we say we have the best Critical Illness plan in the country, we mean it.

Presenting!

Our newest Health Insurance/Critical Illness Plan, FWD VIBRANT! A health plan like no other 👌🧡

✴️Entitles you to a 6x Major Criticall Illness claims (3x non cancer and 3x cancer)
✴️1x Minor Critical Illness Benefit which is 25% of your Sum insured
✴️Health Screening Benefit every 2 years upto 10th year.
✴️Gives you a Health Supplement Benefit for 6 months upon your 1st major illness claim!
✴️Did I mention that we will waive all your future premiums upon diagnosis of your 1st Major criticall illness?
✴️How about Maturity Benefit if you reach age 100 with no Major CI claims?
✴️Or Death Benefit to be given to your family should you die before age 100 with no Major CI claims.
✴️Yup, we cover you until Age 100!
✴️Plus it's customizable! We can add some other benefits should you wish to.

Interested? Let's talk about it. It is true that health is wealth, so secure your health plan now while you can! 👍

WE ARE HIRING‼️

Our team is currently looking for 20 Aspirants either part time /full time Financial Coach.

𝗪𝗛𝗔𝗧’𝗦 𝗜𝗡 𝗜𝗧 𝗙𝗢𝗥 𝗬𝗢𝗨?
🤑 High unlimited potential income
💵Weekly income
⏰ Flexible working hours
💻 Work from home set up
🎁 Monthly incentives
💰 Quarterly bonus
🏆 Recognition & awards
🌍 Free Travel incentives with Family (Local and International)
🏥 Healthcard, insurance & savings fund
💵Cash incentives
🖥Work anywhere

𝗤𝗨𝗔𝗟𝗜𝗙𝗜𝗖𝗔𝗧𝗜𝗢𝗡𝗦:
✅Open for Fresh Graduates
✅Part time or full time
✅Managerial Position
✅ Bachelor’s degree hold
✅ Preferably 21 - 45 years old
✅ Living in Metro Manila or any residing provinces
✅ Can attend online trainings and meetings

💪🏻Message us to have unlimited and additional source of income.💯✅

Jj Here Your Online Financial Buddy now takes appointments on their Page.

“Ma'am, may insurance naman ako sa current company ko eh.”

This is one of the reasons bakit hindi PRIORITY ng ibang employed ang kumuha ng personal protection plan.

But:
What if, si employee becomes critically ill and exceeded his HMO limit? Will the company cover their entire hospital bills?

What if, an illness or an accident prevents the employee from fulfilling his work? Will they still be able to keep his job?

What if, an employee resigns or got laid off? Are they still qualified for the company benefits?

What if, the company provided benefit is minimal coverage only? Will it be enough to cover the needs and secure their family’s future?

So paano na? 🤔

This is why we NEED to get our PERSONAL protection plan.

Because we will not be an employee forever. 💯

Want to know how much protection you need? Message me now!🧡🧡🧡

Isang agent kinontra ng spouse ng prospect niya.

"Insurance? Gastos lang yan! Di na kailangan yan."

Agent: I just want to ask a question.

Spouse: Ano yun?

Agent: How much financial burden are you willing to take pag nawala ang partner?

Spouse: hmmm...

Agent: Ibahin ko na lang po tanong. How much financial support are you willing to receive pag nawala ang partner mo?

Spouse: Ok continue...

Alam niyo ba na pag namatay ang insured ng walang beneficiary, hassle ang pag claim ng proceeds?

Bakit?

Dahil magiging part ng estate ng insured ang insurance proceeds.

Wait... Ano bang meaning ng estate? Ito yung mga properties and obligations owned by a person who died.

Unlike pag may beneficiary ang insured pag namatay, hindi na part ng estate ng insured yung death beneit. Derecho at exclusive para sa sino mang nakasulat na beneficiary.

Eh bakit nga hassle pag napunta sa estate ang insurance proceeds?

Well para ma claim ang insurance proceeds, kailangan mag undergo ng estate settlement. Coconsider pa kung may Last will and testament, mga heirs, o kaya extrajudicial settlement, heirs bond, or kung ay dispute pa, baka humantong pa sa demandahan at hindi marerelease kasama ng ibang part ng estate ang insurance proceeds.

However, may mga insurance companies na may mga default beneficiaries. Na kahit unang namatay sa insured ang mga designated beneficiaries, meron paring susunod. Hindi derecho agad sa estate.

Pero para makasigurado narin. Mag designate kayo more than one beneficiaries.

Eto nga pala ang classifications ng beneficiaries.

According to priority:
Primary
Secondary

According to right:
Irrevocable
Revocable

Saka na natin sila i-explain. For now, check niyo muna policies niyo kung may buhay pa bang beneficiaries. Kung wala, update niyo na.

Have a great day!

By: Coach Ron Magsalin

Sa policy booklet, kahit anong kulay maganda. ❤

Also, huwag tayong nagka-cancel ha. Huwag natin ugaliin ang mang-cancel. Lalo na kung policy 'yan.

Pero matanong ko lang, kung rosas ang kulay ng bukas, bakit lagi mo akong pinapabukas? 5-minute talk lang naman via zoom.



CTTO: RedefiningFilipinos

Secure your baby's future with baby insurance! FWD's BABYPROOF - our best for babies.

Insure your baby with protection and investment as early as 15 days old so you can support your baby against anticipated and unforeseen needs like:
🔰Education
🔰Inflation
🔰Hospitalization

Send a message to get a free quote.

𝗟𝗲𝘁'𝘀 𝗽𝗹𝗮𝗻 𝗮𝗵𝗲𝗮𝗱.

"When you get an educational plan for your child (ideally right after they’re born), Youur premiums are placed into a fund where you can watch your money grow over the years.

As your child attends college, you can withdraw from your return on investments or account value, which have compounded over the course of your investment period. The accumulated ROI will be more than enough to pay for your child’s college career, whether they opt to study in a private or public institution." 😊

Do you need more details? Message me! 🧡

Protect your wealth and your future by protecting your health because your health is your best asset.

Set a meeting with me today to know more about our health plans.

Wow! 13th-month pay!

Most of us are greatly anticipating the 13th-month pay that we've been waiting for all year long!

Do we spend our 13th-month pay wisely? Is it a reserved fund to improve our finances? Or do we spend it on new stuff?

Below are some smart tips on how you can spend your 13th-month pay 😉

CTTO: Smart Juan

Message us for your Insurance Inquiries!🧡

Life Insurance pays.
Life Insurance is nothing but money.

It is not a religion you need to believe in.
When you get sick, we pay.
When you die, we pay.
When you grow old and retire, We pay.

Simple product. No need for SALE. No need to set an alarm on your phone to remind you to shop.

Be INSURED to be SURE.


May it be for:
1. Critical Illness
2. Accident
3. Disability
4. Confinement
5. Death
6. Investment
7. Education

Message me lang!

Hope to hear from you!

If you got infected with Covid-19, you will need to wait at least 3 months from recovery for you to be able to apply for an insurance. Acceptance is case to case basis and may be subject to a medical examination. 👨🏻‍⚕️

If you have an existing policy and you got infected, you may be able to claim the following benefits if you have them: ✅

1. Hospitalization Benefit: this is a cash benefit given for each day of confinement in a hospital or an isolation facility.

2. Critical Illness benefit: If the Covid infection causes complications such as heart attack, stroke, or irreversible lung damage.

The cash benefit may be used for any purpose intended - reimbursement for medical expenses, medications, lab tests, or even for daily expenses. 💰

Another tool for healthcare funding is health insurance in the form of Philhealth(Public) and HMO(Private).

Client: I am covered for P6M right?
Me: Yes sir.

Client: So when will I receive the P6M? If I finish paying after 10 years, will I receive the P6M?
Me: No sir. The fund value and Health Protection is yours. However, you will never ever receive the face amount in your entire lifetime.

Client: Ay, so panget pala. I will pay for something that other people will enjoy. Di ko din naman pla magagamit.
Me: (Trying to hold my composure. ) Sir do you send your kids to school?

Client: Yes of course. My youngest is still in College.
Me: well in that case you should stop sending them to school.

Client: Why?

Me: Because you are paying for something you will never use. Anak nyo lng po tatalino dahil sa pagpasok nya sa school. You are paying for something that other people will enjoy.

That is actually how insurance works. That "Other People" you are saying are THE PEOPLE YOU LOVE, your FAMILY. Would you not want to give something that would benefit them?

Client: Now I get it. Saan ako mag sign?

Ctto

Insurance is for those people who love their familes and not for those who just love themselves.